Citizens One loan for iPhone X from July, 2017

I am on the Apple program enabling me to upgrade iPhone every 12 months. I entered program in July, 2017 and have not upgraded the phone. Today I was told by Apple support team on a land line that my X is paid for and that I own it, no need to return. I called Citizens One to confirm. Citizens One auto response says to direct any iPhone purchase questions to Apple.

I want to purchase Apple 11, keep my iPhone 10 because I paid monthly the $56 fee for the phone and cost of X is satisfied through monthly payments.

Please assist.

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